Pension Plans in Kentucky, Ranked by Health Score
Kentucky has 3 pension plans covering 479,000 participants. The average funding ratio is 40.4%, ranking #51 among all states. 3 plans are underfunded.
Kentucky has 3 pension plans in our dataset, ranked below by the LakeQuality pension-health composite. The score combines current funding ratio (50%), multi-year funding trend (30%), and PBGC risk classification (20%) into a 0-100 grade.
Top-of-list plans usually combine funded ratios at or above 90% with stable multi-year trajectories and low PBGC risk. Public-sector teacher and employee retirement systems dominate the top rankings in many states because their large asset bases support institutional investment management. Each plan below links to its full profile — multi-year funding history, participant demographics, sponsor financials where available, and the underlying factors driving the composite grade.
3
Total Plans
479,000
Participants
40.4%
Avg Funding
$36.7B
Total Assets
| # | Plan Name | Participants | Funding Ratio | Grade |
|---|---|---|---|---|
| 1 | Kentucky County Employees Retirement System (CERS) | 185,000 | 48.4% | C |
| 2 | Kentucky Teachers Retirement System (KTRS) | 152,000 | 55.3% | C |
| 3 | Kentucky Employees Retirement System (KERS) | 142,000 | 20.4% | F |
Frequently Asked Questions
Kentucky has 3 pension plans covering 479,000 participants, with combined assets of $36.7B against $90.9B in liabilities.
The average funding ratio across Kentucky pension plans is 40.4%. 3 of 3 plans (100%) are considered underfunded.
Kentucky County Employees Retirement System (CERS) is the top-rated plan in Kentucky with a funding ratio of 48.4% and a Pension Health Grade of C.
Plans ranked by Pension Health Score: 50% funding ratio, 30% 3-year funding trend, 20% PBGC risk level.